In the United States, if you are not covered by a health insurance plan (medical insurance), you have to pay for health care services yourself. There is no subsidization by the government, and the insurance is bought from either private or public companies. Prior to relocation, it is of utmost importance, as an employee, to know the costs of health insurance. As an employee, you are required to receive various health insurances through your employer without any form of discrimination provided you have a Social Security Number (SSN). At the event of no SSN due to the long wait involved, there are two possible solutions applied, either a policy of David Shield that will provide an appropriate response on the assumption that you do not have an existing situation or a case of pregnancy.
Basically, there are two major categories of health insurance plan:
- Group health insurance or
-Personal/individual health insurance
Group health plan is provided by your employee, government agency or workers union, with policies of least financial restrictions and serves to provide a more comprehensive coverage than the personal health insurance plan. The health care services covered include: vision, dental care, preventive care, well-baby services, and maternity care. A group health insurance plan may be self funded or fully funded where in the case of being self funded, the employer decides what kind of health care coverage the employee gets while if fully funded, the employee is provided all essential health benefits as required by Patient Protection and Affordable Care Act (PPACA). The advantages that accrue from this category of health insurance plan includes: affordability, effective premium payment, enhanced job market/workplace. Its limitations include restriction in insurance options, poor flexible insurance network and complex tax implications.
Personal Health insurance is purchased by the individual from the open market without the employer being involved. This type of health insurance plan is much more expensive than the group plan and has limited coverage.
After the passage of the PPACA law, new essential benefits offered by all healthcare plans include:
-Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Laboratory services
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- Pregnancy, maternity, and newborn care (both before and after birth)